Keyfacts About Our Services And Costs

Our travel insurance products are intended to meet the demands and needs of individuals who have no excluded pre-existing medical conditions who require insurance protection for unforeseen risks relating to travel and are travelling to countries included within the policy terms. We have a range of travel insurance policies with variable sections of cover, excesses and sums insured. These include single trip and annual multi trip insurances.

IMPORTANT - This policy will have been sold to you on a non-advised basis and it is therefore for you to read this information (paying particular attention to the terms and conditions and exclusions detailed in the policy wording issued to you) and ensure that it meets all of your requirements. You may already possess alternative insurance(s) for some or all of the features and benefits provided by our products; it is your responsibility to investigate this and to ensure the levels of benefits available are suitable for your needs.

Insurers

We work with insurers who are best suited to our requirements and we will not search the market for alternative suppliers on your behalf. No insurer owns any of our share capital. Please refer to your Policy Wording for details of your Insurer.

Documentation

Your policy documents will usually be delivered to you by email and these should be printed out and carried with you whilst you are travelling. You may also request that these be sent to you by post. Our aim is to provide all correspondence in a simple and understandable format. It is important that you read all insurance documents issued to you and ensure that you are aware of the cover, limits, claim procedure and other terms that apply. Particular attention must be paid to any special conditions as failure to comply with them could invalidate your policy. In the event of any remaining areas of uncertainty, please contact us. Our staff are always happy to clarify the cover provided as we want to make it easy for you to do business with us.

Globelink International recommend that clients retain all relevant paperwork to their insurance, as this may be useful for future reference.

Payment

We provide our clients with a quotation before insurance arrangements are concluded. This will tell you the total price inclusive of any fees, taxes or charges. An administrative charge may be applied to adjustments made after commencement of cover.

Handling Money

Insurers have appointed us on a “Risk Transfer” basis to act as their agents in collecting premiums and handling refunds due to clients. In these circumstances such monies are deemed to be held by the insurer(s) with whom your insurance is arranged.

Remuneration and other Earnings

We receive remuneration for our services in a number of ways, usually by receiving a percentage of the insurance premium. We may also earn interest in the processing and collection of premiums and any such interest is to the account of Globelink International.

Cancellation of insurance and refunds

If the insurance does not meet with your requirements, you may return the documents to us within 14 days of purchase, or prior to travel if this is sooner, and provided no claims have been made a refund will be given after deduction of appropriate administrative charges. No refund is given for cancellation after this period, nor is any refund given for early return.

Mid Term Adjustments

In certain circumstances we may agree to adjust the terms of your Insurance policy after the 14 day cooling off period. There will usually be a minimum administration charge of £25 for each amendment, which we will charge to you at the time the adjustment is made.

Conflict of interests

Occasions may arise where we, one of our associated companies, clients, or insurers may have a potential conflict of interest with business being transacted for you. If this happens, and we become aware that a potential conflict exists, we will write to you and obtain your consent before we carry out your instructions and will detail the steps we will take to ensure fair treatment.

Confidentiality

All information provided by our clients is considered to be confidential and is only disclosed in the normal course of negotiation and maintenance of insurance transactions undertaken on their behalf. Globelink International will not release information to any other party without the prior consent of the client except in exceptional circumstances. For example, information requested by a court of competent jurisdiction, a regulatory body or information which is already in the public domain.

Use of Personal data

Subject to certain exceptions, you will be entitled to have access to your personal and sensitive personal data for which you will be charged a fee of £10. If at any time you wish us, or any company associated with us, to cease possessing any of the personal data we hold, or to cease contacting you about products and services, please write to our Compliance Officer.

Claims

Whilst we are happy to provide general information, Globelink International do not administer claims. It is therefore essential that you follow the claims procedure and contact the Claims Handler without delay, directly using the details in your policy document, or on our website.

Complaints

In the event that our service does not meet your expectations and we are not able to resolve this with you, we ask you to follow the complaints procedure set out in your policy document. Your complaint will be handled fairly and as part of our Quality Procedures, we will use it to maintain and improve our service. We will acknowledge your correspondence promptly, explain how we will handle it and tell you what the next steps will be. We will keep you informed of the progress of your complaint.

Financial Services Compensation Scheme

Globelink International contribute to the Financial Services Compensation Scheme, which may entitle you to compensation if we cannot meet our liabilities.

Duty of Disclosure

The law imposes onerous duties upon anyone entering into an insurance contract and anyone acting on his behalf. For example the proposer has a duty to disclose all facts or circumstances that may influence the underwriter in deciding whether to accept the insurance, impose special terms, or charge an increased premium. This duty arises not only at inception of the contract, but also at renewal or in the event of any significant change in the risk during the period of insurance. Similarly the duty also applies to the submission and substantiation of all claims. This information must always be disclosed to insurers. A proposal or claim form, or any other document or method of application must be answered fully and accurately. The provision and documentation of this information is the sole responsibility of the insured.

Ending your relationship with us

Subject to your immediate settlement of any outstanding premiums and fees, you may instruct us to stop acting for you and we will not impose any penalty. Your instructions must be given in writing and will take effect on the date of receipt.

In circumstances where we feel we cannot continue providing services to you, we will give you a minimum of 7 days’ notice.

Unless otherwise agreed in writing, if our relationship ends, any transactions previously initiated will be completed according to these Terms of Business. You will be liable to pay for any transactions concluded prior to the end of our relationship and we will be entitled to retain commission received for conducting these transactions, together with all fees charged by us for our services.